Utilizing vehicle telematics to detect, evaluate, and respond to driving behaviors

A system comprising:

• a vehicle telematics device associated with a vehicle, wherein the vehicle telematics device comprises:
• one or more processors;
• one or more sensors configured to detect operation of the vehicle;
• a wireless communication interface;
• and
• memory storing instructions that, when executed by the one or more processors, cause the vehicle telematics device to:
• generate, using the one or more sensors, vehicle operation data characterizing operation of the vehicle by a driver of the vehicle;
• and
• transmit, via the wireless communication interface, the vehicle operation data;
• and
• a computing device in signal communication with the vehicle telematics device, wherein the computing device comprises:
• one or more processors;
• a data store storing at least one predetermined range of segment rates specified in an insurance policy that insures the driver, wherein the predetermined range of segment rates is applicable to the driver during an evaluation period of an insurance policy period of the insurance policy, wherein each segment rate of the predetermined range of segment rates indicates a rate associated with a distance traveled, wherein the evaluation period comprises a plurality of observation periods, and wherein each observation period of the plurality of observation periods is a defined duration;
• and
• memory storing instructions that, when executed by the one or more processors, cause the computing device to:
• receive, from the vehicle telematics device and for one or more observation periods of the plurality of observation periods, at least a portion of the vehicle operation data generated by the vehicle telematics device during the one or more observation periods;
• determine, based on the vehicle operation data, driving behavior data characterizing one or more driving behaviors that occurred during the one or more observation periods;
• determine, based on the vehicle operation data, one or more segments traveled by the vehicle during an observation period of the plurality of observation periods;
• select, for the observation period and from a predetermined range of segment rates of the at least one predetermined range of segment rates, at least one segment rate to charge the driver, wherein the at least one segment rate is selected, at least in part, based on:
• at least one driving behavior of the one or more driving behaviors that occurred during the one or more observation periods;
• and
• charge the driver, for the evaluation period, a charged amount, wherein the charged amount is, at least in part, based on:
• a quantity of segments traveled by the vehicle during the observation period;
• and
• the at least one segment rate selected for the observation period.